BlastPoint's Banking Scorecard
Farmers & Merchants Bank & Trust
Marinette, WI
3 branches across WI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
- Deposits +5.3% year over year ($149.4M on the books).
- Delinquency rate 0.92%.
- Return on assets 1.10%.
- Efficiency ratio 68.10% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.73% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers & Merchants Bank & Trust has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.39% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency Ratio 3.62% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$175.1M
+3.7% YoY
+0.8% QoQ
|
-$211.5M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$123.6M
+6.6% YoY
+3.6% QoQ
|
-$134.7M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$149.4M
+5.3% YoY
+1.9% QoQ
|
-$177.3M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
1.10%
+79.2% YoY
-3.8% QoQ
|
-0.22% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
41% |
| Net Interest Margin ? |
4.37%
+17.1% YoY
+0.6% QoQ
|
+0.39% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
68.10%
-12.0% YoY
+2.0% QoQ
|
+3.62% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
0.92%
-37.4% YoY
-24.6% QoQ
|
+0.01% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
82.73%
+1.2% YoY
+1.7% QoQ
|
+4.78% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
17.50%
-5.6% YoY
-2.4% QoQ
|
-4.53% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.71%
-37.9% YoY
-21.1% QoQ
|
+0.04% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
16.26%
-1.1% YoY
-2.7% QoQ
|
+0.35% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.17%
+48.7% YoY
+48.3% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
40% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.5%
-1.0pp YoY -0.4pp QoQ |
-4.6pp | 22.1% | 18.9% | 22.2% | 34% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.5%
+1.5pp YoY +0.8pp QoQ |
+4.9pp | 11.6% | 10.5% | 12.5% | 80% |
| CRE |
44.5%
-1.1pp YoY +0.2pp QoQ |
+5.0pp | 39.5% | 46.4% | 41.4% | 61% |
| 1-4 Family |
37.1%
-0.5pp YoY -0.9pp QoQ |
+4.5pp | 32.6% | 32.3% | 31.3% | 66% |
| Consumer |
0.6%
-0.3pp YoY -0.1pp QoQ |
-3.5pp | 4.1% | 2.6% | 5.0% | 18% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.3%
-0.2pp YoY -0.5pp QoQ |
-2.6pp | 18.8% | 15.5% | 19.7% | 60% |
| Leverage Ratio |
11.4%
+0.4pp YoY 0.0pp QoQ |
-0.8pp | 12.2% | 12.6% | 12.6% | 56% |
| Total Capital Ratio |
17.4%
+0.1pp YoY -0.5pp QoQ |
-2.6pp | 19.9% | 16.6% | 20.8% | 59% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
41
0 YoY +3 (+7.9%) QoQ |
-18 | 58 | 134 | 482 | 42% |
| Assets per Employee ($) |
$4.3M
+3.7% YoY -6.5% QoQ |
-$3.2M | $7.5M | $8.2M | $8.8M | 7% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.9%
-0.5pp YoY -0.3pp QoQ |
0.0pp | 0.9% | 0.9% | 1.0% | 69% |
| Allowance Coverage |
1.11x
+102.4% YoY +29.9% QoQ |
-23.04x | 24.15x | 56.89x | 20.23x | 30% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.8%
+4.6pp YoY -0.5pp QoQ |
-0.4pp | 12.2% | 11.8% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.8% | 1.7% | 29% |
| Net Income ($, YTD) |
$960,000
+83.6% YoY — QoQ |
-$1.6M | $2.6M | $7.9M | $40.4M | 25% |
Get Full Access to Farmers & Merchants Bank & Trust
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.